Call reports 2006
POTOMAC BANK, INC. — 2006
What POTOMAC BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 283,563,000 | 292,171,000 | 299,193,000 | 292,334,000 |
| Total loans | 214,245,000 | 223,127,000 | 230,237,000 | 230,474,000 |
| Allowance for loan losses | 2,162,000 | 2,221,000 | 2,288,000 | 2,423,000 |
| Securities available for sale | 51,048,000 | 50,447,000 | 51,013,000 | 42,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,582,000 | 246,088,000 | 255,765,000 | 251,823,000 |
| Interest-bearing deposits | 204,718,000 | 212,500,000 | 224,721,000 | 221,905,000 |
| Noninterest-bearing deposits | 30,864,000 | 33,588,000 | 31,044,000 | 29,918,000 |
| Equity capital | 25,337,000 | 26,007,000 | 26,595,000 | 26,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,387,000 | 9,143,000 | 14,104,000 | 19,099,000 |
| Interest expense | 1,418,000 | 3,029,000 | 4,955,000 | 6,932,000 |
| Net interest income | 2,969,000 | 6,114,000 | 9,149,000 | 12,167,000 |
| Noninterest income | 846,000 | 1,917,000 | 2,853,000 | 3,766,000 |
| Noninterest expense | 2,257,000 | 4,530,000 | 6,858,000 | 9,054,000 |
| Provision for loan losses | 0 | 75,000 | 179,000 | 331,000 |
| Pretax income | 1,558,000 | 3,426,000 | 4,965,000 | 6,548,000 |
| Income tax | 559,000 | 1,224,000 | 1,776,000 | 2,358,000 |
| Net income | 999,000 | 2,202,000 | 3,189,000 | 4,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,680,000 | 26,442,000 | 26,852,000 | 27,272,000 |
| Total capital | 27,842,000 | 28,663,000 | 29,140,000 | 29,695,000 |
| Risk-weighted assets | 210,449,000 | 213,369,000 | 220,130,000 | 217,760,000 |
Machine access — free, no API key
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